EMI vs SIP for ₹4,900,000
23 Years @ 10%
Original Plan
23 Years @ 10%
EMI: ₹ 45,432
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 43,510
Monthly Savings
₹ 1,922
SIP Investment
@ 12% for 28 years
₹ 5,301,564
Extra Interest Paid
₹ 2,080,175
Final Outcome
₹ 3,221,389
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 10%, investing savings can generate ₹5,301,564.
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